1. Introduction
By accessing and using the ZapDebt.co.za website (the “Site”) or any ZapDebt applications or application plug-ins (“Applications”), you signify your agreement to these terms of usage (the “Terms of Usage”). If you do not agree to these Terms of Usage, please refrain from using our Site and Services.
2. Acceptance of Terms
Your use of the Site, Applications, and Services is subject to these Terms of Usage, which may be updated or modified at any time without prior notice. Continued use of the Site or Services after any such changes shall constitute your consent to such changes.
3. Description of Service
ZapDebt.co.za provides an online platform to connect individuals seeking debt counselling with qualified debt counsellors across South Africa. While we facilitate these connections, ZapDebt does not offer direct debt counselling or legal advice.
4. User Responsibilities
You affirm that you are at least 18 years of age and are fully able and competent to enter into the terms set out in these Terms of Usage. You agree to provide accurate and complete information when registering or using our Services and to update your information to keep it accurate and complete.
5. Privacy Policy
ZapDebt respects your privacy and permits you to control the treatment of your personal information. A complete statement of ZapDebt’s current Privacy Policy can be found on our website.
6. Ownership and Intellectual Property
All content, designs, graphics, pictures, illustrations, software, artwork, video, sound, names, words, titles, phrases, logos, and marks displayed on the Site or in the Services are owned by ZapDebt and are protected by copyright, trademark, and intellectual property laws.
7. Third-Party Links
Our Site and Applications may contain links to third-party websites or services that are not owned or controlled by ZapDebt. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party websites or services.
8. Limitation of Liability
To the maximum extent permitted by applicable law, ZapDebt shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses, resulting from (a) your access to or use of or inability to access or use the Site or Services; (b) any unauthorised access to or use of our servers and/or any personal information stored therein.
9. Indemnification
You agree to defend, indemnify, and hold harmless ZapDebt, its officers, directors, employees, and agents, from and against any claims, liabilities, damages, losses, and expenses, including, without limitation, reasonable legal and accounting fees, arising out of or in any way connected with your access to or use of the Site or Services.
10. Modifications to the Service
ZapDebt reserves the right at any time to modify or discontinue, temporarily or permanently, the Site or Services (or any part thereof) with or without notice. You agree that ZapDebt shall not be liable to you or any third party for any modification, suspension, or discontinuance of the Site or Services.
11. Governing Law
These Terms of Usage shall be governed by and construed in accordance with the laws of South Africa, without regard to its conflict of law principles.
12. Arbitration
Any dispute arising from these Terms of Usage will be resolved through binding arbitration in South Africa, in accordance with the rules of the Arbitration Foundation of Southern Africa.
13. Termination
ZapDebt reserves the right to terminate or suspend your access to the Site, Applications, or Services, without prior notice, for conduct that ZapDebt believes violates these Terms of Usage or is harmful to other users of the Site, Applications, or Services, ZapDebt, or third parties, or for any other reason. Upon termination, your right to use the Site, Applications, and Services will immediately cease.
14. Changes to the Terms of Usage
ZapDebt may revise and update these Terms of Usage from time to time in our sole discretion. All changes are effective immediately when we post them. Your continued use of the Site, Applications, or Services following the posting of revised Terms of Usage means that you accept and agree to the changes.
15. Dispute Resolution
Any disputes arising out of or related to these Terms of Usage or your use of the Site, Applications, or Services will be resolved through binding arbitration in South Africa, in accordance with the rules of the Arbitration Foundation of Southern Africa. Both parties agree to waive any rights to a jury trial or to participate in a class action lawsuit.
16. Feedback and Suggestions
Any feedback, comments, ideas, improvements, or suggestions provided by you to ZapDebt regarding the Site, Applications, or Services shall remain the sole and exclusive property of ZapDebt. ZapDebt shall be free to use, copy, modify, publish, or redistribute the feedback for any purpose and in any way without any credit or any compensation to you.
17. Waiver
No waiver by ZapDebt of any term or condition set out in these Terms of Usage shall be deemed a further or continuing waiver of such term or condition or a waiver of any other term or condition, and any failure of ZapDebt to assert a right or provision under these Terms of Usage shall not constitute a waiver of such right or provision.
18. Contact Information
For any questions, concerns, or clarifications regarding these Terms of Usage or any other matter related to our Services, please contact: ZapDebt Email: [email protected] or [email protected] Address: 52 Corlett Drive, Illovo, Sandton Johannesburg, 2196 Phone: 087 250 2829
19. Severability
If any provision of these Terms of Usage is held by a court or other tribunal of competent jurisdiction to be invalid, illegal, or unenforceable for any reason, such provision shall be eliminated or limited to the minimum extent such that the remaining provisions of the Terms of Usage will continue in full force and effect.